I also receive the message via text. It's happened 2 or 3 times in the past month or so. I have a theory - let me tell you. 1. I've been a member since eBay and PayPal began. 2. I received my card probably when they first started issuing them. At the time it was for a business account. I did online technical support (and needed a way for receiving payments). 3. Other than one time a hacker in Australia compromised my card, I've never had problems. I've been able to use it like a credit card. But it did draw from my bank within 24 hours. 4. I've always had the funds to cover my purchases with the card. Albeit, once or twice in the past, but the second try by PayPal worked. 5. The past year has been an absolute financial horror for me. I'm bouncing and in the negative with my bank because they changed their system and I've had to cover both my sister and fathers deaths, along with the usual troubles in life. They used to charge me 30.00 for negative withdrawals but covered it. Now they don't cover my transactions and many businesses will try 3 times. 6. I have been in a fog with the deaths and admittedly reckless in my spending so when I got these notices from PayPal I had no idea what they were about. I looked at my account and saw nothing amiss so it left the front of my brain immediately. 7. Several times in the past month or two? I've tried to use my PayPal card and it was declined. It expires 10/23 or 11/23 I forget which and when the card was declined I just pulled out another and used it. It was puzzling to me because I've never received a "insufficient funds" error because PayPal withdrew the money from my bank the next day (so they couldn't know, right?). I never connected those declines with these sms messages from PayPal. But again my fog.... Today I received another text from the same number as OP and you - and the fog is finally lifted. I thought how odd that PayPal would send a link. You know that whole, "will never send a link or ask for a password"? I suspected Smishing. I checked my PalPal and still see nothing that makes me think I need to "cover" a purchase, etc. I'm not in a negative balance, etc. And I started searching...and found this. I think PayPal made a change to the card - it was a business debit card. And PayPal now __expects me to have balance in my paypal account ahead of the transaction.__ I don't know if I'm being penalized for the previous mistakes, or perhaps they downgraded my card in advance of the expiration, or perhaps they have a overall policy change about the card. I'm sure they sent their usual long legalese notices. I've seen changes to PayPal over the years. The worst one was when they changed management or ownership to a foreign entity and Americans no longer answered the support lines. I also know PayPal owns Venmo - so jumping out of the fire into the frying pan won't change much.
